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Your Retirement Number โ€” Mom MBA
Mom MBAยฎ  ยท  The H.O.M.E. Operating System™

Your Retirement Number

A simple estimate of where you're headed โ€” and what it takes to get there.

Tell me a little about you

Type in your numbers below. Everything updates as you go. Nothing is saved or sent anywhere โ€” this stays on your device.
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See your estimate at ssa.gov/myaccount โ†’
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Your Retirement Number
$1,500,000
This is your rough nest egg target โ€” the amount that could provide your income using the well-known 4% rule (save about 25ร— what you'll need each year).
Think of this as a direction, not a verdict. It's where you're headed โ€” not a test you pass or fail today.
To get there, starting today, you'd invest about
$1,006/mo
over 30 years, growing at 8% a year

Why starting today matters

Here's the same goal โ€” but see what happens to your monthly amount the longer you wait. This is the power of time, with your own numbers.

Breathe. This number is not all on your shoulders.

If your employer offers a match, that's free money added on top โ€” you'll learn how to grab it in the very next lesson. Social Security adds to it too. And every one of the next lessons shows you another way to reach this number.

And here's the truth: you don't have to hit this target all at once, or even all the way, to build real security. Starting where you are, with what you can, still changes everything. Progress beats perfection โ€” every single time.

This is an educational estimate, not financial advice โ€” see the details and assumptions below.
How this works โ€” assumptions & important details

The method

This tool uses the 4% rule (also called the 25ร— rule), a widely-used industry rule of thumb. It estimates your target by taking the yearly income you want, subtracting any Social Security you entered, and multiplying what's left by 25. Your monthly contribution is then estimated using standard compound-growth math, based on the years between your age today and your retirement age, and the growth rate you chose.

What it assumes

  • An average annual return you can adjust (we start it at 8%). Real markets go up and down year to year โ€” this is a long-term average, never a guarantee.
  • Roughly a 30-year retirement, which the 4% rule is based on.
  • That your savings stay invested and keep growing during retirement.
  • Your Social Security figure is whatever you enter โ€” actual benefits vary by your earnings and when you claim.

What it does NOT account for

  • Inflation, taxes, or healthcare costs, which can meaningfully change your real needs.
  • Market downturns, especially early in retirement.
  • Pensions, part-time income, or other sources.

Because of these, treat your number as a helpful starting picture to explore โ€” not a complete or precise plan.

Educational estimate only โ€” not financial, investment, or tax advice. Maria Tedjamulia is a Dave Ramsey Master Certified Financial Coach, not a licensed investment or financial advisor. Results are estimates based on the numbers you enter and common rules of thumb; your actual results will vary. For guidance on your specific situation, please consult a qualified fiduciary financial advisor. Nothing you type here is saved, stored, or sent anywhere โ€” it stays on your device.
Mom MBAยฎ  ยท  Money Pillar  ยท  Yield